Why Should I Care About CRM2?

by Invisor Last updated on January 11, 2017

Last year, regulators announced the Client Relationship Model - Version 2 (CRM2), which included a key requirement that financial advisors explicitly disclose all investment fees charged to clients. The regulation, which went into force in July 2016, is required to be implemented by all financial advisors by January 2017. 

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Invisor | 2016 Year In Review

by Josh Miszk Last updated on January 06, 2017

2016 was a year shaped by surprises and drastic changes in sentiment. How investors feel about the economy is what’s reflected in prices. While major equity markets had a generally positive 2016 – driven by strong US economic data and improving conditions in Europe – there was a lot of global negativity for equities going into the year, fueled by China’s slowing economy, dropping oil prices, and geo-political uncertainty. Investors had more cash parked on the sidelines than ever before. However, major equity markets had a positive 2016 climbing the walls of worry, mainly driven by strong economic data out of the US (jobs, in particular) and improving economic conditions in Europe.

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Introducing Invisor@Work - A New Group Retirement Savings Program

by Pramod Udiaver Last updated on December 21, 2016

How well do you think you’re investing the savings from your employer-provided group RRSP savings program?

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Invisor | Economic Update - November 2016

by Pramod Udiaver Last updated on November 30, 2016

Trumponomics

With the US election results now behind us, many economic forecasters have been using their crystal balls to figure out what Trumponomics would mean to the US and the global economy. Prior to the election markets had a negative view of the proposed Trump economic policies, but views seem to have since changed. Most equity markets reached all-time highs and bond yields increased on the expectation that the proposed tax cuts and infrastructure spending would increase government debt, inflation and borrowing costs, while in the long term, these policies and deregulation would increase economic growth.

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An Open Letter To Our Clients: How Does President Trump Impact Your Portfolio?

by Josh Miszk Last updated on November 10, 2016
The morning after the election, investors were understandably uncertain. We sent the following note to our clients to address any concerns:

After the polls called for a 70-90% likelihood of a Clinton victory, the world is surprised, to say the least. Investors don't like surprises, and the uncertainty that a Trump presidency brings is a recipe for amplified volatility. The market's reaction yesterday morning reeled back from the immediate knee-jerk reaction, but it paves the way for further volatility in the coming months. There are a few key changes we think will influence global markets. 

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Invisor | Economic Update - October 2016

by Josh Miszk Last updated on November 02, 2016

US federal elections are a week away and that means everyone’s favourite reality TV show is coming to an end. While the spotlight will shift away from American politics, we think US policy will still hold the attention of global markets. This month, we’ll take a look at the Canadian economic outlook, US election and interest rate decisions, and major global political threats.

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Invisor | Q3 2016 Market Update

by Josh Miszk Last updated on October 05, 2016

This month, we take a look at how markets performed in Q3, and where they stand going into the final quarter of 2016. 

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Invisor Economic Update August 2016 | Making The Market Great Again

by Josh Miszk Last updated on August 31, 2016

Last month, the U.S. stock market extended a two-month rally into August and hit an all-time high. Optimism surrounding corporate earnings has converted more investors back into the "risk-on" camp, guiding assets into emerging markets and back into a post-Brexit Europe.

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Invisor | Economic Update - July 2016

by Invisor Last updated on August 03, 2016

There is a purging in Turkey, turmoil in Europe, and a heated election in the U.S., yet the market has had its best month all year. With so much political uncertainty it's hard to see through the noise to find out which stories will be most important to the global economy in the coming months. Often, it's hard to see the forest for the trees, and what makes the headlines isn't necessarily what will drive the global economy.

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Taking a look at CRM2: How much are you paying in investment fees?

by Invisor Last updated on July 20, 2016

On July 15, 2016, the CRM2 regulation or the Client Relationship Model – Version 2, which outlines the regulations to improve the disclosure of investment performance, charges, and compensation to clients, became effective in full after a 3 year phase-in period. Specifically, one of the CRM2 requirements that is now effective requires investment advisors to disclose all fees charged to clients directly or indirectly, including sales charges, trailing commissions, trading fees, and other charges.

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